Bridging Loans
Short-term, property-backed finance used while a defined exit is arranged.
A bridging loan is short-term finance secured against property. It is generally used where a business needs to act before longer-term funding, a sale or another expected receipt completes.
Understanding bridging loans.
Bridging is not a general-purpose facility and it is not suitable for every situation. Providers place particular weight on the exit — the credible, evidenced way the loan will be repaid at the end of the term.
Amworth is an introducer, not a lender. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- The requirement is genuinely short-term and time-sensitive
- There is suitable property to offer as security
- You can evidence a realistic exit — a sale, a refinance or a known receipt
Common structures within the category
- 01
Closed bridge
Used where the exit date is contractually certain, for example an exchanged sale with a fixed completion date.
- 02
Open bridge
Used where the exit is expected but not yet fixed. Providers usually assess these more cautiously.
- 03
Retained or rolled interest
Interest may be retained upfront or rolled into the balance rather than paid monthly. The structure affects the net amount released.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
- The property offered as security, its condition and its value
- The credibility and timing of the proposed exit
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
- Details of the property offered as security
- Written evidence supporting the proposed exit
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Bridging Loans — frequently asked
Related finance routes
Talk through bridging loans for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.